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S. Adams St. at Live Oak St.

S. Adams St. at Live Oak St.

Full-Service Branch

710 S Adams
Fredericksburg, TX 78624


Bank Officer

Carlin Friar


  • ATM
  • Bank
  • Online Banking
Carlin Friar

Carlin Friar

Bank Officer

I’ve lived in the Texas Hill Country my whole life. Having the opportunity to remain involved in Boerne where I live, and get involved in Fredericksburg where I work has been a treat! The communities share almost identical heritage, and both have economies that are driven by tourism, but what makes them special is the strong business and consumer support of community banking. People like to do business with those they know! Happy State Bank is special to me because of the people. I don’t think there has ever been an interaction that hasn’t either started or ended with the works “is there anything else I can do for you.” When you care about each other, the care for the customer comes naturally. It is a truly contagious culture.

Featured Products


Our personal checking options are sure to help you bank Happy! Looking for the basics with no minimum balance requirement? Happy Checking is the way to go. If you keep a higher balance and enjoy extra perks, Happy Interest Checking is right for you.


Thinking of buying or refinancing? The Happy Mortgage Team is ready to help you make your move. And, with our Hybrid eClosing, you can close by phone in minutes!

Small Business

Get the job done with Happy Business Checking! Great for small businesses, this account has no monthly maintenance fees and comes with all the extras you need to take care of business.

Community Involvement

Hill Country Memorial Hospital Foundation

We proudly support the Hill Country Memorial Hospital Foundation in the Fredericksburg community.

Fredericksburg Chamber of Commerce

We are proud to support the Chamber of Commerce in many Happy communities including Fredericksburg.

Admiral Nimitz Foundation

We are happy to support the Admiral Nimitz Foundation in the Fredericksburg community.

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Our only job is to help our customers. That means we'll do what it takes to bring your financial dreams to life.
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